Homeowners Insurance

RISCO offers binding authority Homeowners Insurance solutions tailored for hard-to-place personal lines risks. As a Managing General Agency (MGA) and Excess & Surplus Lines Broker, we provide flexible, customizable options to help you protect your clients’ most valuable assets—even when standard markets aren’t an option. Whether the exposure is a coastal vacation property, a high-value primary residence, or a vacant dwelling under renovation, RISCO’s underwriting experience and carrier relationships deliver practical coverage options.

Our Homeowners Insurance program is built with ala carte options for Coverage A–D so you can select appropriate limits and endorsements for each unique risk. We partner with independent agents and brokers to structure policies for clients who fall outside standard underwriting guidelines, focusing on fast placement and market access.

Ideal Accounts and Appetite

We place unique and non-standard home risks across the Northeast, including:

• High-value homes — from $250,000 to unlimited replacement cost
• Coastal, windstorm-exposed, and hurricane-prone properties
• Second homes, vacation homes, and seasonal residences
• Vacant homes and properties undergoing renovation
• Dwelling-fire and rental/investment properties
• Older homes that may not qualify for standard markets
• Homes titled to trusts, LLCs, partnerships, or corporations

If you have a client with a historic home on Cape Cod or a luxury second home in the Hamptons, RISCO can help you find a suitable market—even with prior losses, difficult locations, or unusual occupancy.

Coverage Highlights and Advantages

• Flexible Coverage A–D selections and endorsement packages
• Replacement Cost and Special Form policy options
• Binding authority for quicker turnaround and fewer underwriting delays
• Access to both admitted and non-admitted markets depending on the risk
• Support for insureds held in trusts, LLCs, partnerships, or corporations

Underwriting Notes and Minimum Premiums

Premiums and eligibility depend on the property type, location, construction, prior loss history, and occupancy. Our underwriters evaluate submissions on their individual merits to provide tailored solutions while remaining competitively priced. Standard ACORD applications may be submitted via email to [email protected] for expedited review.

Territories and Availability

This Homeowners Insurance program is available in:

• Connecticut (CT)
• Maine (ME)
• Massachusetts (MA)
• New Hampshire (NH)
• New York (NY)
• Rhode Island (RI)

We understand the regional challenges of the Northeast and are equipped to handle coastal exposures and other high-risk zones in these states.

Why Work With RISCO

With decades of specialty personal lines experience, RISCO offers the underwriting expertise, carrier access, and flexibility you need to place difficult homeowners risks. Our in-house binding authority, strong carrier relationships, and responsive service help you deliver solutions where other markets may decline. We prioritize clear communication and fast action so you can get clients covered quickly.

To learn more about our Homeowners Insurance solutions, visit www.risco-inc.com or call us at 800-533-3649.

 

ACORD applications can be emailed to [email protected]